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View Diary: Good WaPo editorial on "Keep Your Own Doctor" (153 comments)

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  •  In my experience this is almost never the case: (12+ / 0-)
    There is nothing in the ACA that forbids you from going to any provider who will take your money.
    I change insurance plans every 2 or 3 years (based on what my employer happens to be offering) and have to go "doctor shopping" at about twice that interval and in general, when I call up a practice to see if they are accepting new patients, the first question almost always is "it depends on what/who your insurance provider is" (I soon learned if I said I was going to pay myself, they were * never * accepting new patients . .. ).
    •  Probably more likely because they didn't have (9+ / 0-)

      a guarantee that they'd be able to collect from you, but they do have that (maybe limited, but still) from an insurance company.  Single payer would be even simpler and make all those issues go away.

      •  Sure, that's exactly it . .. . (7+ / 0-)

        I show up and incur $70K (or $770K) in medical expenses and die anyways.

        Who knows if Ms. Roadbed Guy is going to pay up.  I'm thinking probably not, which is probably exactly what they're thinking.

        But the point being, my initial point about "being able to chose your own doctor if you're willing/able to pay yourself" not being a valid premise still stands.

        •  I'm thinking your comment is different from how (3+ / 0-)
          Recommended by:
          leevank, FindingMyVoice, smartdemmg

          I understood it.

          I thought you were saying that you were calling a doctor's office looking for someone who would take cash for services.  It sounds from this comment like you're looking instead for someone who will have no choice about whether or not to take you on as a patient - that you get to pick the doctor you want and they must accept you rather than keeping a doctor you have a relationship with.

          If I were the doctor's office, and I had to make a choice between patient A, who has insurance coverage who will pay and then I don't have to worry about collecting anything other than a co-payment from you, or you who I have no guarantee of payment from, I'd probably also go with the guaranteed payment from the insurer.

          If you showed up at the doctor's office with a sore throat and asked to be seen and you are paying with a credit card, they might try and fit you in, but they probably wouldn't commit to you as a full-time patient until they knew you better (with a track record that you fully pay your bills on time).

      •  This isn't a science fiction site (7+ / 0-)

        A lot of us agree that single payer would be better.  So what?  It isn't here and it's not going to be here anytime soon.  Let's focus on making what we've got work.  

        All these comments on Daily Kos that add up to "single payer would be better" are pretty useless.  Enough science fiction, guys!

    •  If you are truly wealthy... (4+ / 0-)

      I suspect you will be able to convince them to take you.   Try offering them a $10,000 retainer, and see if they refuse you then.  This is essentially what "concierge care" is; a way of getting you to put money up front in order to be accepted as a patent.  

      If you are wealthy, of course, you will also have the option to buy a high-priced insurance that covers all providers.  The rich are different.  They always get what they want.  

      •  OK, good advice (3+ / 0-)
        Recommended by:
        SoCaliana, MsGrin, ladybug53

        the next time I find myself being "truly wealthy" I'll do just that . .. . .

        Although, as I pointed out in response to a different comment, I actually * do * have a credit card with a (available) credit line of twice that.

        I suspect that this type of thing is what they are worried about: B.C. baby costs Aussie couple $1M

        •  Travel coverage (2+ / 0-)
          Recommended by:
          Chinton, ladybug53

          That's an issue in itself and is probably worthy of some serious investigation.  I'm fortunate enough to have a plan that covers me and my family for medical expenses anywhere in the world - and believe me I've used it.    But again, this is a consumer choice.  If you want that breadth of coverage, you will have to pay for it.    

          In any case, it has nothing to do with the ACA.  This has been a problem for a lot of people for a long time.


        •  having an available line of credit (4+ / 0-)

          is obviously not the same thing

          you are free to spend your line of credit on anything you want

          the day after you show the doctor your line of credit, you could buy any number of things that would deplete your line of credit and make it unavailable to pay your medical bills

          but money you have already deposited with the doctor as a retainer is money you have set aside specifically for them and they know they can count on it

          I'm not sure what the linked article has to do with this discussion.  could you clarify?  there is no doctor's office on the hook for any of the medical expenses for the couple in the article

          Politics is like driving. To go backward put it in R. To go forward put it in D.
          Drop by The Grieving Room on Monday nights for support in dealing with grief.

          by TrueBlueMajority on Thu Dec 26, 2013 at 01:55:55 PM PST

          [ Parent ]

      •  Not a good example of concierge care (2+ / 0-)
        Recommended by:
        ladybug53, sulthernao

        I agree with your point that few physicians will refuse cash in advance. However, most concierge care retainers are $1,000 - $2,000 a year. The concierge model works well for certain practices with a high demographic, limited,  patient population. I have seen it most commonly used by physicians in their 50s and 60s who want to reduce their patient population, work a more limited schedule, and spend more time with each patient.

        "let's talk about that"

        by VClib on Thu Dec 26, 2013 at 02:26:10 PM PST

        [ Parent ]

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